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Telematics explained

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What is Telematics?

Telematics is a way to measure your driving; a black box or mobile phone app monitors how fast you drive, how quickly you brake and whether you're generally a safe driver.

Sometimes known as black box car insurance, GPS car insurance or smartbox insurance, telematics is a way for some car insurance companies to see how 'risky' you are as a driver. The information can be used to give you an insurance quote, with a price that reflects your driving style.

It’s often a way to help young or inexperienced drivers get cheaper car insurance.

How does it work?

There are three options:

Mobile phone app

An app you download onto your smartphone

Telematics black box

A small black box fitted inside your car

Plug in box

Fitted to your On Board Diagnostic port (OBD)

All three monitor your driving habits, enabling the insurer to either adjust your premium accordingly, or offer you incentives for what is perceived as safe driving.

What is monitored through a telematics device?

It does vary depending on which insurer you use. Typically the following factors are monitored:

Number of miles driven

Time of day that the car is used

Areas that you drive through

Driving technique, including maximum speed

How quickly you brake

How you take corners

Whilst telematics could lead to potential savings for inexperienced drivers, responsible drivers may find themselves altering their already adequate driving style to 'please' the black box.

Find out how we calculate the price of your car insurance

We offer comprehensive cover at a competitive price This short guide explains how we work out your price.